The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,839
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$595/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$570/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$714/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$684/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,398/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$833/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$799/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,557
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,071/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,736
−HK$1,027/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,853 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).